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Heritage Isle Credit Union Low Rate Mastercard

25 May 2017

The Heritage Isle Low Rate Mastercard gives you the ability to spend without the bright lights and expensive fees associated with platinum or rewards cards.

Important information

The Heritage Isle Credit Union Low Rate Mastercard is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

With all the rewards cards on the market it's hard to justify getting a low cost, no frills credit card. A low rate card is designed for those who might have to pay their balance off and therefore will benefit from a lower purchase rate, and that's where cards like the Heritage Isle Credit Union Low Rate Mastercard come into the picture.

Heritage Isle Low Rate Mastercard review

The Heritage Isle Credit Union Low Rate Mastercard might not get you all excited about future holidays to exotic locations. It should get you excited about the fact that you won't be burdened by the strict terms, high interest rates, and painful annual fees that usually go along with more expensive cards. Not everyone is interested in exotic destinations. Some people are simply interested in finding a credit card to serve as a backup plan when unexpected expenses occur.

This card offers a low ongoing purchase rate of 12.99% p.a. with up 55 interest-free days on eligible purchases. A complimentary purchase cover and guaranteed pricing insurance is also included when you apply with this card.

Benefits of the Heritage Isle Low Rate Mastercard

Low interest rates. This card comes with a low ongoing interest rate of 12.99% p.a. on purchases, which means that you’ll spend less paying off any balances.

Interest-free days. You can enjoy up to 55 interest-free days with this card. The actual amount of days you'll receive will depend on when during your statement cycle you make a purchase. If you make the purchase on the first day of your statement cycle you'll receive 55 days before you need to pay it off, but the later in the statement cycle you buy an item the less interest-free days you'll have.

Purchase cover insurance. Purchase cover protects the items you buy using this card from theft, loss or accidental breakage. The item is covered for up to 90 days after it's purchased, and you must make a claim within 21 days. Cover limits apply.

Guaranteed pricing scheme. If you buy an item and find it cheaper later this policy kicks in to reimburse you the difference as long as it's more than $75 and less than $500. The item must be found within 25 km of the original item and have the same serial number. It must also be made within 60 days.

Related Posts

While there are many credit cards available offering all sorts of different features, sometimes it can be difficult to find one with a great rate. However, the good news is that it isn't impossible and the Heritage Isle Credit Union Rewards MasterCard is proof of that. This card not only features a low rate but it comes with all sorts of other benefits.

The UNICOM University Credit Union Low Rate Mastercard offers its customers the chance to enjoy a competitive interest rate on purchases and a balance transfer rate offer. The card also comes with complimentary insurance covers and a low annual fee. Read finder.com.au’s comprehensive guide on the UNICOM University Credit Union Low Rate Mastercard to see if this card provides what you are looking for.

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